PLAN FOR THE UNEXPECTED

Now that the season of unwrapping gifts is behind us, it’s time to unpack the details of your health insurance plan. 

If your plan is new for 2025, understanding how the details could impact you and your family both personally and financially is an important part of being prepared.

Does your plan include a high deductible? Has the co-pay portion increased? Are your doctors still in network? Have the costs of your prescriptions gone up? Does your plan include dental and vision coverage? 

Because nearly all health insurance plans include out-of-pocket expenses that must be paid, these are important details to understand before facing a medical event.

The point at which your out-of-pocket expenses end and insurance coverage begins can vary. If this threshold is significant for you, it might be beneficial to consider supplemental coverage. 

Gap coverage is designed to address expenses that insurance does not pay, and benefits are not based on what other coverages, like health insurance, do pay. Coverage can range from accidents and illness to accidental death and hospital stays. 

The goal with gap coverage is to reduce the amount you pay out of pocket. 

As an independent licensed insurance agent, I have more time to sit down with you and dig deep into the details of your insurance coverage. I can help you identify products for your individual situation to help with potential out-of-pocket expenses. And the best part is, my guidance is free of charge. I look forward to hearing from you soon. 

HealthMarkets Insurance Agency is located at 9551 Vista Way in Garfield Hts. To reach Scott McEvoy or a member of his team, call 216-815-1850. Virtual, phone and office appointments are available. 

HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability may vary by state. Agents may be compensated based on enrollment. No obligation to enroll. 51859-HM-0125